If the person listed on your policy had an accident in your vehicle and a claim is paid out from the insurance company for the crash, it is possible that your insurance rates or premiums might go up. Insurance companies factor in collisions and claims paid out when figuring rates.

How much it might affect your insurance rates will be determined by how your insurance company calculates their rates. So you can either ask your insurance company about their rating system or their rates must be filed with your state's insurance regulator, so you can contact this government agency.